Which factor would you use from a present value table to calculate the present value of receiving $500 in 3 years at an interest rate of 5%? Which factor would you use from a present value table to calculate the present value of receiving $500 in 3 years at an interest rate of 5%? PV of $1 at 5% for 3 years PV of an annuity at 5% for 3 years FV of $1 at 5% for 3 years FV of an annuity at 5% for 3 years